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NFCU Early Approval Odds

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Frequent Contributor

NFCU Early Approval Odds

I just had my 3rd statement cut for my NFCU Platinum MC. It's 3 days before it'll hit 90 days, but I am curious if any member around here had asked for their CLI earlier then the 90 days with 3 statements cut or not? Not that I can't wait for 3 days, but I will admit that the itch is there to attempt and push the button. The only issue of course is that I wouldn't want to screw up my odds to then get the CLI eventually after the 90 days.

Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


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Message 1 of 16
15 REPLIES 15
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Community Leader
Mega Contributor

Re: NFCU Early Approval Odds

Yup ive hit early , got 3 letters as Navy never responds if its not instant approval. Itll say too new account. I understand the itch all too well but September is upon usSmiley Wink. Best of luck on getting your cliSmiley Happy
Message 2 of 16
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Community Leader
Senior Contributor

Re: NFCU Early Approval Odds

In my opinion, I'd just wait...it's only few more days...  Good luck to you though...hopefully you'll have positive results!

Message 3 of 16
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Frequent Contributor

Re: NFCU Early Approval Odds

Got it! I'm just going to wait the extra few days.
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Message 4 of 16
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Established Contributor

Re: NFCU Early Approval Odds

Wait til 92 days and pull the trigger . I did and got a new card and a decent cli
ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 5 of 16
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Frequent Contributor

Re: NFCU Early Approval Odds

Awesome! That would be 9/2 for me... counting the days... 👍
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Message 6 of 16
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Frequent Contributor

Re: NFCU Early Approval Odds

Also is it good to have a $0 balance when asking for the CLI?
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Message 7 of 16
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Established Contributor

Re: NFCU Early Approval Odds

I had a balance of 550 on a 1000 card alot of negs lot of inqs low income they increased me to 3500 plus another card 2000
ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 8 of 16
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Frequent Contributor

Re: NFCU Early Approval Odds

Got it! I'll probably pay it down to $0 just cause I have the money put back in savings to pay it off in full as I have been the last 3 months.
Starting Score: EQ 606 TU 623 EX 598 - April 17'
Current Score: EQ 644 TU 664 EX 667 - May 18’'
Goal Score: EX 750 TU 750 EX 750


Take the myFICO Fitness Challenge
Message 9 of 16
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Established Contributor

Re: NFCU Early Approval Odds

Good idea . It may make u get a bigger increase to good luck
ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 10 of 16
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